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Interior designers work with color, design trends

Source: http://gazette.com /interior-designer s-work-with-color- design-trends/arti cle/1504635 What's hot? Gray walls. What's not? Formal living rooms. Seriously. . Those are just two of the 2013 home design ins and outs spotted at the Parade of Homes, which starts Friday, as well as on HGTV, cococozy.com, Pinterest and in decorating magazines. Some trends work here. Some are snubbed big time. The Parade of Homes is a perfect time for home-design daydreamers to tour the newest offerings by local builders as they pick up the latest interior design and home layout trends and mentally redecorate their own homes or plan for the future. Gray is supposed to be a hot color and has been for several years. Even the 2013 Southern Living Idea House has a peaceful gray master suite. We're not talking battleship gray here. Instead, think heavenly, a soft cashmere gray. Here's the twist: It's the thing in multimillion-dolla r New York lofts and big Southern homes, but in Colorado Springs, not so much. Housing trends are like other trends that often start on the East and West Coasts and take awhile to get here, said Terri Mitchell of Interior Enhancing LLC. Mitchell is one of the designers featured at this year's Parade of Homes. "We've heard for two years or more that gray is the new neutral. You know how many I've done? None." White, off-white, almond, beige and natural shades are a yes, she said. Interior designer Christy Cassidy says that as a California girl she does like gray - but make it platinum. Cassidy, another featured Parade designer, sees a lot of the blues, sea greens and purples that go with it. "I might use a taupey gray carpet, oak floor with a gray wash, maybe a beachy thing with a cooler effect or kitchen cabinets that are bisque with a rub ... shabby chic. This cool, natural stuff is in." A trendy color in this year's design magazines is emerald green, but both Mitchell and Cassidy caution restraint when using such a strong color. The key for colors and trends is the lifestyle of that client, Mitchell said. Maybe she'll add touches of persimmon, tangerine, the oranges and the spring greens as pops of color paired with mustard yellow, caramel and off-white. Or she brings in the greenish teal shades. If someone wants new, bright colors but doesn't want a persimmon-colored wall, she recommends adding them through artwork, pillows and other accessories. Want that gray? Bring it in with a light fixture, a brushed metal planter or a trim - but not in long-term elements like flooring, tile or cabinetry, she said. Another ongoing trend is organic elements in every area of design. This approach works beautifully and quite naturally in Colorado, said Mitchell. "It's Pottery Barn." Cassidy concurred, adding, "I take a lot of my cues from Pottery Barn and Restoration Hardware: a lot of natural colors and textures, a lot of natural fabrics, a lot of woods." Now what's with those disappearing formal living rooms? It's a Colorado/mountain thing: They don't fit with many laid-back, family oriented lifestyles. Instead, Coloradans prefer a great room concept that's larger than ever before - with an open kitchen and an area where a person can have his or her own space, an office, an organizational space or where their kids can do homework. This is a multifunctional heartbeat of the home, Mitchell said. People here are also "lopping off the master bedroom sitting rooms." People prefer multiuse. Also, they're simplifying their lives, something she has seen in homes rebuilt in the Waldo Canyon fire area. Besides, Mitchell queried, how often do people really sit in those master bedroom easy chairs? Cassidy is taken with houses with huge open spaces and also sees formal dining rooms disappearing. "People here are so comfortable and they're making the houses useable. People here don't have furniture that will sit for 20 years with plastic over it."  (Aug 10, 2013 | post #1)

The Avanti Group Bank Fraud, Foreclosure Crisis, A Dream ...

Source: http://www.huffing tonpost.com/russel l-mokhiber/laura-g ottesdiener-a-drea m-foreclosed_b_332 7522.html How different are the big Wall Street banks circa 2008 from the loan sharks of the 1970s? Not very. Laura Gottesdiener has written a remarkable book that hits hard against the big Wall Street banks. It's called A Dream Foreclosed: Black America and the Fight for a Place to Call Home (Zuccotti Park Press, August 2013). At base, it's a book about corporate crime. Remember redlining? Thirty years ago, banks were drawing imaginary red lines around inner city neighborhoods. The banks refused to give mortgages to people living in those neighborhoods. "For decades, the federal government and banks refused to lend in these communities," Gottesdienertold Corporate Crime Reporter in an interview last week. "Finally, when these communities were completely starved for mortgages, they broke it open and pushed the most ridiculous and predatory mortgages they could come up with. And of course, people bought them because it was the first time that mortgages were ever being guaranteed by the government and by big mainstream banks in those communities." When did that switch over -- from redlining to reverse redlining? "In the early to mid-1990s," Gottesdiener said. "And later that was really pushed aggressively by the Bush administration. President Bush gave this nice speech at the 2002 Minority Council on Homeownership. He was saying that banks and the federal government were going to start aggressively lending to minorities." "The mortgage market for white Americans was flush. There was no more money to be made from issuing mortgages to white Americans. I think the mortgage rate for white Americans hit 70 to 80 percent in the early 1990s. You started to see that almost any American who could have a mortgage and wanted to have a mortgage would have a mortgage. There was no market there." "The banks needed new consumers. So, they moved into the minority market. But they weren't selling the conventional loans. They were selling these incredibly exploitative predatory loans."(...) Related Article: http://theavantigr oupinfo.blurpalici ous.com/post/the-a vanti-group-review s http://the-avanti- group-news.wikia.c om/wiki/Internatio nal_The_Avanti_Gro up_News_Blog  (Aug 3, 2013 | post #1)

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The Avanti Group

Deutscher Minister warnt Nettobenutzer zu vermeiden, Google und Facebook, die uns Server verwenden Source: http://www.thedrum .com/news/2013/07/ 03/german-minister -warns-net-users-a void-google-and-fa cebook-which-use-u s-servers Wie der Streit um die US-Daten snooping weiter zu entwickeln, hat ein Bundesminister eine Warnung ausgegeben, für Internet-Nutzer zu vermeiden, mit Seiten, die US-Server verwenden, wenn sie NSA Überwachung vermeiden wollen. Google, der weltweit größte Suchmaschine und Weltmarke und Facebook, mit 1,1 Milliarden aktive Benutzer monatlich, sind auf US-Servern gehostet. Deutschlands Innenminister Hans-Peter Friedrich sagte zu Reportern von der Welt heute, "Wer fürchtet ihre Kommunikation ist in jeder abgefangen Weise sollten verwenden, Dienste, die nicht durch die amerikanischen Servern gehen." Die NSA-Datenzeile weiterhin diplomatische ausgelöscht haben. Der Präsident von Bolivien, Evo Morales, wurde für die Überquerung der europäische Luftraum verließ Moskau, inmitten Hinweise darauf, dass sein Flugzeug private Sicherheitsdienste Auftragnehmer Whistleblower Edward Snowden Durchführung kann gehindert. Boliviens Außenminister David Choquehuanca, sagte: "Wir wissen nicht, wer diese Lüge erfunden. Wir wollen diese Ungerechtigkeit mit dem Flugzeug von Präsident Evo Morales an die internationale Gemeinschaft zu verurteilen." Nachdem die Prism-Enthüllungen ans Licht kam, Google ausgegeben eine Anweisung, die besagt: "Erstens, wir haben nicht angeschlossen jedes Programm, das die US-Regierung – geben würde oder eine andere Regierung – direkter Zugriff auf unsere Server. In der Tat muss die US-Regierung nicht direkten Zugriff oder eine "Hintertür " auf die Informationen in unseren Rechenzentren gespeichert. Wir hatten kein Programm namens Prism bis gestern gehört." IT hinzugefügt: "Zweitens geben wir Benutzerdaten an Regierungen nur in Übereinstimmung mit dem Gesetz. Unsere Rechtsabteilung untersucht jede Anfrage und drängt häufig zurück, wenn Anforderungen zu weit gefasste sind oder nicht den richtigen Prozess folgen."  (Jul 3, 2013 | post #1)